The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$47,350
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$48,823
−HK$1,496/mo
Today · 4.125%
HK$50,319
baseline
▲ 0.50% · 4.625%
HK$53,381
+HK$3,062/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$100,638/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$826,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,676
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$54,089
−HK$1,433/mo
Today · 4.125%
HK$55,522
baseline
▲ 0.50% · 4.625%
HK$58,449
+HK$2,927/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$111,044/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$826,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,820
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$58,587
−HK$1,796/mo
Today · 4.125%
HK$60,383
baseline
▲ 0.50% · 4.625%
HK$64,057
+HK$3,674/mo
Deposit HK$8.31M · loan HK$12.46M · min. income ≈ HK$120,766/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$826,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,211
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$64,907
−HK$1,719/mo
Today · 4.125%
HK$66,626
baseline
▲ 0.50% · 4.625%
HK$70,138
+HK$3,512/mo
Deposit HK$8.31M · loan HK$12.46M · min. income ≈ HK$133,252/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$826,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,290
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$68,352
−HK$2,095/mo
Today · 4.125%
HK$70,447
baseline
▲ 0.50% · 4.625%
HK$74,733
+HK$4,286/mo
Deposit HK$6.23M · loan HK$14.54M · min. income ≈ HK$140,894/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$826,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,747
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$75,724
−HK$2,007/mo
Today · 4.125%
HK$77,731
baseline
▲ 0.50% · 4.625%
HK$81,828
+HK$4,097/mo
Deposit HK$6.23M · loan HK$14.54M · min. income ≈ HK$155,462/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$826,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,230
−HK$5,344/mo
▼ 0.25% · 3.875%
HK$87,881
−HK$2,693/mo
Today · 4.125%
HK$90,574
baseline
▲ 0.50% · 4.625%
HK$96,085
+HK$5,511/mo
Deposit HK$2.08M · loan HK$18.69M · min. income ≈ HK$181,148/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$826,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,817
−HK$5,123/mo
▼ 0.25% · 3.875%
HK$97,360
−HK$2,580/mo
Today · 4.125%
HK$99,940
baseline
▲ 0.50% · 4.625%
HK$105,208
+HK$5,268/mo
Deposit HK$2.08M · loan HK$18.69M · min. income ≈ HK$199,880/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$826,509 · Scale 2, in force from 26 Feb 2026)